System for electronic notification of account activity
First Claim
1. A method implemented within a financial institution computer system for notifying a user of account activity, wherein the account is maintained within the financial institution computer system, comprising:
- (a) maintaining electronic information in the financial institution computer system on financial accounts;
(b) maintaining electronic user contact information for at least one of the financial accounts;
(c) processing information on a completed financial transaction with respect to one of the financial accounts in the financial institution computer system, wherein all completed financial transactions regardless of amount are processed;
(d) generating a message providing information on the completed transaction;
(e) processing the user contact information for the financial account involved in the completed transaction; and
(f) electronically transmitting the message immediately from the financial institution computer system to the location identified by the user contact information for the financial account.
3 Assignments
0 Petitions
Accused Products
Abstract
Disclosed is a system for notifying a user of account activity, such as a withdrawal from a savings or checking account. A computer system maintains information on financial accounts and electronic user contact information for at least one of the financial accounts, such as a telephone number, e-mail address or pager number. Information on a transaction with respect to one of the financial accounts is received and processed. The computer system then processes the information on the transaction and generates an electronic message providing information on the transaction. The user contact information for the financial account involved in the transaction is processed. The message is then electronically transmitted to the location identified by the user contact information for the financial account.
756 Citations
28 Claims
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1. A method implemented within a financial institution computer system for notifying a user of account activity, wherein the account is maintained within the financial institution computer system, comprising:
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(a) maintaining electronic information in the financial institution computer system on financial accounts; (b) maintaining electronic user contact information for at least one of the financial accounts; (c) processing information on a completed financial transaction with respect to one of the financial accounts in the financial institution computer system, wherein all completed financial transactions regardless of amount are processed; (d) generating a message providing information on the completed transaction; (e) processing the user contact information for the financial account involved in the completed transaction; and (f) electronically transmitting the message immediately from the financial institution computer system to the location identified by the user contact information for the financial account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for notifying a user of account activity, comprising:
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(a) a computer system including a database including information on financial accounts and user contact information for at least one of the financial accounts, wherein the financial accounts are maintained in the financial institution computer system; (b) program logic implemented in the financial institution computer system, comprising; (i) means for processing information on a completed transaction with respect to one of the financial accounts in the computer system, wherein all completed financial transactions regardless of amount are processed; (ii) means for generating an electronic message providing information on the completed transaction; and (iii) means for processing the user contact information for the account involved in the completed transaction; and (c) a communication port including means for electronically transmitting the electronic message immediately from the financial institution computer system to the location identified by the user contact information for the account. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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19. An article of manufacture for use in programming a financial institution computer system maintaining a database including information on a plurality of user accounts, the article of manufacture comprising a computer usable storage medium having at least one computer program stored therein that causes the financial institution computer system to perform the steps of:
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(a) maintaining electronic information on financial accounts in the financial institution computer system; (b) maintaining electronic user contact information for at least one of the financial accounts; (c) processing information on a completed transaction with respect to one of the financial accounts, wherein all completed financial transactions regardless of amount are processed; (d) generating a message providing information on the completed transaction; (e) processing the user contact information for the financial account involved in the completed transaction; and (f) electronically transmitting the message immediately from the computer system to the location identified by the user contact information for the financial account. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28)
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Specification